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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,132 | $76,834-79.0% | $108,359-85.1% | $87,485-81.6% |
| Participation rate | 60.6% | 61.7%-1.1pp | 70.1%-9.5pp | 68.9%-8.3pp |
| Annual return | 12.63% | 19.09%-6.5pp | 36.89%-24.3pp | 26.06%-13.4pp |
| Employer contribution / active EE | $716 | $1,556-54.0% | $2,399-70.1% | $2,596-72.4% |
| Participant deferral / active EE | $1,454 | $3,100-53.1% | $4,137-64.9% | $4,274-66.0% |
| Admin fee / account holder | $1,759 | $6,537-73.1% | $9,741-81.9% | $7,775-77.4% |